Balance Transfer Credit Cards for Fair Credit

In general, you can lower the cost of currently held credit card debt by transferring your balance from a credit card with a high interest rate to a balance transfer credit card, which may … show moreoffer an APR as low as 0% for a certain period of time. However, as credit card companies are cautious about the debt they add to their books, particularly when it comes from people with average or below-average credit scores, they usually do not offer 0% intro APR balance transfer credit cards for fair credit. If this is the case, your best bet is to focus your energy on making on-time payments to all of your credit obligations in order to improve your credit and qualify for a balance transfer credit card for good credit. Regardless of whether you are able to find offers for balance transfer credit cards for fair credit or not, … show moremake sure to compare a number of different offers before submitting an online application. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.show less

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.

Popular Questions

What is the best balance transfer credit card for fair credit?

By: John Kiernan, Credit Card EditorVery few decent balance transfer credit cards are usually available to people with fair credit. And that leaves you with two options: 1) compare the available offers based on their interest rates (both introductory and ongoing) and fees (both annual and balance-transfer) to make the most of the situation; or 2) focus on credit improvement and apply for a new card when your score is good.

Below, you can find a quick overview of our editors’ favorite fair credit balance transfer card. And if you want to take your credit standing to the next level, sign up for a free WalletHub account. Not only will you receive personalized credit-improvement advice, but you’ll also get free credit scores and reports that are updated daily as well as 24/7 credit monitoring.

2019’s Best Balance Transfer Credit Card for Fair Credit

Before applying for a balance transfer credit card, make sure to plan your payments using a credit card payoff calculator. Your goal should be to bring your balance to $0 by the end of your card’s 0% introductory period.

Finally, it’s important to note that while many store credit cards offer 0% financing and require only fair credit for approval, they all use a dangerous feature called deferred interest and should thus be avoided.

Community Discussion

Comparing Balance Transfer Credit Cards for Fair Credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less

Ask a question or help others find the best credit card by sharing some tips.

I have less than $1,100 in credit card debt. Which is the best card to transfer to without penalty or interest for a year?

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@WalletHub

November 14, 2015

You may also want to try our CardAdvisor tool, which will provide a customized recommendation based on your answers to a few simple, anonymous questions. It can be found here: https://wallethub.com/cardadvisor/ .

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@WalletHub

November 13, 2015

If you have fair credit, the Capital One VentureOne Card is probably your best bet. But if you have good credit, you might be able to get approved for the Slate Card from Chase, which is the best balance transfer credit card on the market because it charges neither an annual fee, nor a balance transfer fee and offers a 0% introductory rate on purchases and balance transfers for 12 months. Nevertheless, you can get an estimation of your credit score for free, full TransUnion credit reports and credit improvement tips on our site, at https://wallethub.com/join/.

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.